Rating based on 1,150 reviews
About – Easy Cash Loans
Easy cash loans have been in operation since 1999 to provide short term loan options and personal loan options for South African citizens. We have branches in Carletonville, Rustenburg, Klerksdorp, Orkney, Mokopane and Vanderbijlpark.
Our vision is to grow and become the preferred lender to all South African citizens when they need assistance with their finances. We offer the best customer service while our consultants will help provide expert advice on which online loan product would best suit your needs. We want to help people in their time of need and help them take back financial control of their lives.
We aim to give financial solutions to the lower and middle income citizens that might not usually be granted financial assistance very easily. As our business continues to grow and we understand the needs of your customer better we adapt to bring you the services that you need at a price that you can afford.
We train only the best staff and make sure that they are there to suit your needs. They are friendly and knowledgeable and aim to put the client first. We aim to help our clients by providing financial assistance when they need it most.
To ensure that you understand the contract you are signing and don’t get taken advantage of all our long and short term loans are explained by our experts and we comply with all the rules set out by the National Credit Act and subject to all their terms and conditions.
Services – Easy Cash Loans
If you apply for one of our personal loans we will ask you to provide consent for a credit check, if your credit score is bad and your loan application is declined.
We will contact you and assist you in finding out why your loan application was denied and help you to rectify the problem as best we can.
We also offer debt counselling and expert advice to get back on top of your finances. Everyone needs money and no one wants to be in debt, so if we can help you in any way we will do our best to provide assistance.
Easy cash loans
To apply for one of our easy instant cash loans, simply fill in our online application form with the following details:
- Full name and surname
- Email address
- Phone number
- Loan amount
- The repayment terms
Using the latest technology, we can determine the best loan to suit your needs and access your affordability. We make sure that you are able to repay the bad credit loan and offer very easy repayment terms that won’t push you further into debt.
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Summary of Services
- PERSONAL Loans
Easy Cash Loans - Loans for any credit score
Every person has a credit score, your credit score is a number that represents the risk a lender will need to take in order to grant you a loan.
This number is determined by often you make payments on time and if you have missed payments or have a lot of debt.
Your credit score explained
Different lenders have different criteria for determining if your credit score is good or bad, but a healthy credit score is 700 or higher on a scale of 300 to 850. If you have a good credit score you are seen as a lower risk while if your credit score is bad you are seen as a higher risk client and it will be more difficult for you to be granted a quick loan.
Your credit score is based on your payment information and will never discriminate against you for your race, gender, religious beliefs or marital status.
Knowing your credit score is very important and it is your responsibility to make sure that the information listed here is correct.
How do I determine my credit score?
To find out what your credit score is there are many different companies that can assist you as well as many free online websites. You will need to give them your ID number and consent to a credit check. Some websites even offer an online alert system that will notify you via e-mail or SMS if there are any significant changes in your credit score. This protects you from fraud and helps you quickly notify the correct authorities should you suspect something fishy going on.
What does being blacklisted mean?
Being blacklisted means that you have failed to pay your outstanding debt or have missed payments on account. Once you are blacklisted it is much more difficult for you to obtain further credit due to the fact that you could not even honour your first financial commitment, so why would they want to lend you more money.
You are seen as a very high-risk client and if you are granted a bad credit loan the interest rate and repayments schedules are much stricter. It is not advisable to take a loan if you have been blacklisted as you could put yourself deeper into debt. Seek professional assistance in the form of a debt counsellor if you are having financial difficulty and get the expert advice youneed to take back control of your financial situation.
Fast payment straight into your account
Once you have applied for your personal loan via our website, we will run a credit check to make sure that you will be able to pay back the loan. You can expect the payment very soon after your application has been approved and we will pay the money straight into your South African bank account.
What does it mean to be in default?
If your credit report shows that you are in default it means that you have missed a number of payments and these accounts have been handed over to attorneys that will sue you to get the lender back the money that you owe them. These attorneys usually add all sorts of late fees and handling fees making the amount you owe way more that it was originally.
If your credit report shows that your debt has been written off it means that the debt collector has given up on getting the money back from you. This usually happens if the creditors feel there is no way in order to get back their money this could be due to you losing your job or your inability to pay back the short-term loan.
Contact us via our online contact form on our website.
Customer Reviews & Testimonials
Easy Cash Loans is exactly that, fast credit provider that is always seeking the best interest for the client.
— Port Elizabeth —
I am paying affordable interest rates at Easy Cash Loans. I can still afford to pay my other financial obligations.
— Newtown —